{
  "meta": {
    "slug": "charge-off-rate-on-all-loans",
    "name": "Charge-Off Rate on All Loans",
    "branded_name": null,
    "description": null,
    "source": "Board of Governors of the Federal Reserve System data retrieved via FRED",
    "source_credit": null,
    "source_url": "https://fred.stlouisfed.org/series/CORALACBN",
    "frequency": "quarterly",
    "units": "percent",
    "fred_series_id": "CORALACBN",
    "fred_edge_series_id": null,
    "bls_series_id": null,
    "series_id": null,
    "measurement_basis": null,
    "door": 2,
    "trend": "falling",
    "trend_suppressed": null,
    "series_breaks": [],
    "direction": "higher_is_worse",
    "last_updated": "2026-08-26T00:00:00Z",
    "stale": false,
    "stale_reason": null,
    "data_status": "current",
    "page_url": "https://americandefault.org/indicators/charge-off-rate-on-all-loans/",
    "attribution": "American Default (americandefault.org) — Our analysis is free to use with attribution to American Default Research. Source data stays under each publisher's terms; cite the source named here."
  },
  "current": {
    "value": 0.55,
    "date": "2026-04-01"
  },
  "last_verified": null,
  "data": [
    {
      "date": "1985-01-01",
      "value": 0.63
    },
    {
      "date": "1985-04-01",
      "value": 0.82
    },
    {
      "date": "1985-07-01",
      "value": 0.9
    },
    {
      "date": "1985-10-01",
      "value": 1.38
    },
    {
      "date": "1986-01-01",
      "value": 0.8
    },
    {
      "date": "1986-04-01",
      "value": 1.04
    },
    {
      "date": "1986-07-01",
      "value": 1.07
    },
    {
      "date": "1986-10-01",
      "value": 1.41
    },
    {
      "date": "1987-01-01",
      "value": 0.78
    },
    {
      "date": "1987-04-01",
      "value": 0.87
    },
    {
      "date": "1987-07-01",
      "value": 0.86
    },
    {
      "date": "1987-10-01",
      "value": 1.34
    },
    {
      "date": "1988-01-01",
      "value": 0.89
    },
    {
      "date": "1988-04-01",
      "value": 1.15
    },
    {
      "date": "1988-07-01",
      "value": 1
    },
    {
      "date": "1988-10-01",
      "value": 1.21
    },
    {
      "date": "1989-01-01",
      "value": 0.76
    },
    {
      "date": "1989-04-01",
      "value": 1.05
    },
    {
      "date": "1989-07-01",
      "value": 0.97
    },
    {
      "date": "1989-10-01",
      "value": 1.91
    },
    {
      "date": "1990-01-01",
      "value": 1.3
    },
    {
      "date": "1990-04-01",
      "value": 1.65
    },
    {
      "date": "1990-07-01",
      "value": 1.16
    },
    {
      "date": "1990-10-01",
      "value": 1.66
    },
    {
      "date": "1991-01-01",
      "value": 1.2
    },
    {
      "date": "1991-04-01",
      "value": 1.71
    },
    {
      "date": "1991-07-01",
      "value": 1.66
    },
    {
      "date": "1991-10-01",
      "value": 1.87
    },
    {
      "date": "1992-01-01",
      "value": 1.25
    },
    {
      "date": "1992-04-01",
      "value": 1.21
    },
    {
      "date": "1992-07-01",
      "value": 1.32
    },
    {
      "date": "1992-10-01",
      "value": 1.42
    },
    {
      "date": "1993-01-01",
      "value": 0.86
    },
    {
      "date": "1993-04-01",
      "value": 0.9
    },
    {
      "date": "1993-07-01",
      "value": 0.76
    },
    {
      "date": "1993-10-01",
      "value": 0.92
    },
    {
      "date": "1994-01-01",
      "value": 0.49
    },
    {
      "date": "1994-04-01",
      "value": 0.58
    },
    {
      "date": "1994-07-01",
      "value": 0.43
    },
    {
      "date": "1994-10-01",
      "value": 0.56
    },
    {
      "date": "1995-01-01",
      "value": 0.39
    },
    {
      "date": "1995-04-01",
      "value": 0.45
    },
    {
      "date": "1995-07-01",
      "value": 0.52
    },
    {
      "date": "1995-10-01",
      "value": 0.63
    },
    {
      "date": "1996-01-01",
      "value": 0.56
    },
    {
      "date": "1996-04-01",
      "value": 0.57
    },
    {
      "date": "1996-07-01",
      "value": 0.57
    },
    {
      "date": "1996-10-01",
      "value": 0.65
    },
    {
      "date": "1997-01-01",
      "value": 0.59
    },
    {
      "date": "1997-04-01",
      "value": 0.62
    },
    {
      "date": "1997-07-01",
      "value": 0.65
    },
    {
      "date": "1997-10-01",
      "value": 0.68
    },
    {
      "date": "1998-01-01",
      "value": 0.61
    },
    {
      "date": "1998-04-01",
      "value": 0.6
    },
    {
      "date": "1998-07-01",
      "value": 0.69
    },
    {
      "date": "1998-10-01",
      "value": 0.7
    },
    {
      "date": "1999-01-01",
      "value": 0.6
    },
    {
      "date": "1999-04-01",
      "value": 0.54
    },
    {
      "date": "1999-07-01",
      "value": 0.57
    },
    {
      "date": "1999-10-01",
      "value": 0.7
    },
    {
      "date": "2000-01-01",
      "value": 0.56
    },
    {
      "date": "2000-04-01",
      "value": 0.57
    },
    {
      "date": "2000-07-01",
      "value": 0.6
    },
    {
      "date": "2000-10-01",
      "value": 0.91
    },
    {
      "date": "2001-01-01",
      "value": 0.71
    },
    {
      "date": "2001-04-01",
      "value": 0.81
    },
    {
      "date": "2001-07-01",
      "value": 0.95
    },
    {
      "date": "2001-10-01",
      "value": 1.29
    },
    {
      "date": "2002-01-01",
      "value": 1.08
    },
    {
      "date": "2002-04-01",
      "value": 1.05
    },
    {
      "date": "2002-07-01",
      "value": 1.09
    },
    {
      "date": "2002-10-01",
      "value": 1.06
    },
    {
      "date": "2003-01-01",
      "value": 0.88
    },
    {
      "date": "2003-04-01",
      "value": 0.86
    },
    {
      "date": "2003-07-01",
      "value": 0.79
    },
    {
      "date": "2003-10-01",
      "value": 0.9
    },
    {
      "date": "2004-01-01",
      "value": 0.65
    },
    {
      "date": "2004-04-01",
      "value": 0.58
    },
    {
      "date": "2004-07-01",
      "value": 0.53
    },
    {
      "date": "2004-10-01",
      "value": 0.62
    },
    {
      "date": "2005-01-01",
      "value": 0.49
    },
    {
      "date": "2005-04-01",
      "value": 0.45
    },
    {
      "date": "2005-07-01",
      "value": 0.57
    },
    {
      "date": "2005-10-01",
      "value": 0.64
    },
    {
      "date": "2006-01-01",
      "value": 0.34
    },
    {
      "date": "2006-04-01",
      "value": 0.37
    },
    {
      "date": "2006-07-01",
      "value": 0.42
    },
    {
      "date": "2006-10-01",
      "value": 0.49
    },
    {
      "date": "2007-01-01",
      "value": 0.47
    },
    {
      "date": "2007-04-01",
      "value": 0.5
    },
    {
      "date": "2007-07-01",
      "value": 0.57
    },
    {
      "date": "2007-10-01",
      "value": 0.86
    },
    {
      "date": "2008-01-01",
      "value": 0.95
    },
    {
      "date": "2008-04-01",
      "value": 1.24
    },
    {
      "date": "2008-07-01",
      "value": 1.51
    },
    {
      "date": "2008-10-01",
      "value": 2.05
    },
    {
      "date": "2009-01-01",
      "value": 2
    },
    {
      "date": "2009-04-01",
      "value": 2.64
    },
    {
      "date": "2009-07-01",
      "value": 2.82
    },
    {
      "date": "2009-10-01",
      "value": 3.14
    },
    {
      "date": "2010-01-01",
      "value": 2.92
    },
    {
      "date": "2010-04-01",
      "value": 2.83
    },
    {
      "date": "2010-07-01",
      "value": 2.49
    },
    {
      "date": "2010-10-01",
      "value": 2.39
    },
    {
      "date": "2011-01-01",
      "value": 1.92
    },
    {
      "date": "2011-04-01",
      "value": 1.65
    },
    {
      "date": "2011-07-01",
      "value": 1.53
    },
    {
      "date": "2011-10-01",
      "value": 1.43
    },
    {
      "date": "2012-01-01",
      "value": 1.17
    },
    {
      "date": "2012-04-01",
      "value": 1.11
    },
    {
      "date": "2012-07-01",
      "value": 1.2
    },
    {
      "date": "2012-10-01",
      "value": 0.99
    },
    {
      "date": "2013-01-01",
      "value": 0.83
    },
    {
      "date": "2013-04-01",
      "value": 0.71
    },
    {
      "date": "2013-07-01",
      "value": 0.61
    },
    {
      "date": "2013-10-01",
      "value": 0.61
    },
    {
      "date": "2014-01-01",
      "value": 0.52
    },
    {
      "date": "2014-04-01",
      "value": 0.49
    },
    {
      "date": "2014-07-01",
      "value": 0.45
    },
    {
      "date": "2014-10-01",
      "value": 0.48
    },
    {
      "date": "2015-01-01",
      "value": 0.42
    },
    {
      "date": "2015-04-01",
      "value": 0.4
    },
    {
      "date": "2015-07-01",
      "value": 0.39
    },
    {
      "date": "2015-10-01",
      "value": 0.47
    },
    {
      "date": "2016-01-01",
      "value": 0.44
    },
    {
      "date": "2016-04-01",
      "value": 0.44
    },
    {
      "date": "2016-07-01",
      "value": 0.43
    },
    {
      "date": "2016-10-01",
      "value": 0.51
    },
    {
      "date": "2017-01-01",
      "value": 0.47
    },
    {
      "date": "2017-04-01",
      "value": 0.45
    },
    {
      "date": "2017-07-01",
      "value": 0.44
    },
    {
      "date": "2017-10-01",
      "value": 0.52
    },
    {
      "date": "2018-01-01",
      "value": 0.47
    },
    {
      "date": "2018-04-01",
      "value": 0.45
    },
    {
      "date": "2018-07-01",
      "value": 0.43
    },
    {
      "date": "2018-10-01",
      "value": 0.48
    },
    {
      "date": "2019-01-01",
      "value": 0.47
    },
    {
      "date": "2019-04-01",
      "value": 0.47
    },
    {
      "date": "2019-07-01",
      "value": 0.48
    },
    {
      "date": "2019-10-01",
      "value": 0.52
    },
    {
      "date": "2020-01-01",
      "value": 0.53
    },
    {
      "date": "2020-04-01",
      "value": 0.55
    },
    {
      "date": "2020-07-01",
      "value": 0.46
    },
    {
      "date": "2020-10-01",
      "value": 0.41
    },
    {
      "date": "2021-01-01",
      "value": 0.33
    },
    {
      "date": "2021-04-01",
      "value": 0.26
    },
    {
      "date": "2021-07-01",
      "value": 0.19
    },
    {
      "date": "2021-10-01",
      "value": 0.2
    },
    {
      "date": "2022-01-01",
      "value": 0.22
    },
    {
      "date": "2022-04-01",
      "value": 0.22
    },
    {
      "date": "2022-07-01",
      "value": 0.25
    },
    {
      "date": "2022-10-01",
      "value": 0.35
    },
    {
      "date": "2023-01-01",
      "value": 0.39
    },
    {
      "date": "2023-04-01",
      "value": 0.46
    },
    {
      "date": "2023-07-01",
      "value": 0.49
    },
    {
      "date": "2023-10-01",
      "value": 0.63
    },
    {
      "date": "2024-01-01",
      "value": 0.63
    },
    {
      "date": "2024-04-01",
      "value": 0.65
    },
    {
      "date": "2024-07-01",
      "value": 0.64
    },
    {
      "date": "2024-10-01",
      "value": 0.68
    },
    {
      "date": "2025-01-01",
      "value": 0.64
    },
    {
      "date": "2025-04-01",
      "value": 0.6
    },
    {
      "date": "2025-07-01",
      "value": 0.59
    },
    {
      "date": "2025-10-01",
      "value": 0.61
    },
    {
      "date": "2026-01-01",
      "value": 0.57
    },
    {
      "date": "2026-04-01",
      "value": 0.55
    }
  ]
}